How your trust score is calculated
Your Merrisk trust score is calculated using a proprietary algorithm that analyzes multiple factors from your payment processing history.
Key Factors
1. Chargeback Rate (High Impact)
Chargebacks are one of the strongest indicators of business risk. A low chargeback rate significantly boosts your score.
- Excellent: Under 0.5%
- Good: 0.5% - 1%
- Average: 1% - 2%
- High: Over 2%
2. Refund Rate (High Impact)
Your refund rate indicates customer satisfaction and product/service quality.
- Excellent: Under 2%
- Good: 2% - 5%
- Average: 5% - 10%
- High: Over 10%
3. Processing History (Medium Impact)
Longer processing history demonstrates stability and longevity.
4. Repeat Customers (Medium Impact)
A high percentage of repeat customers indicates customer satisfaction and business reliability.
5. Transaction Volume (Medium Impact)
Consistent transaction volume shows business stability.
6. Revenue Stability (Low Impact)
Stable, predictable revenue patterns are viewed favorably.
7. Customer Lifetime (Low Impact)
Longer customer relationships indicate trust and satisfaction.
Weighting
Recent data (last 3 months) is weighted at 60%, while all-time data accounts for 40%. This means your current performance matters more than past history, but a strong track record still helps.